Rate: Home, Finance & Wellness

Guaranteed Rate, Inc

About this app

At Rate, we believe homeownership is the first step toward unlocking a better future for you and your loved ones. Buying a home is an exciting journey, but it can also be overwhelming. That’s why we offer not just mortgages, but access to free wellness resources to ease the stress and support you every step of the way. You are the reason we do what we do—the why behind our mission to provide not only the best mortgage experience but also a path to better well-being.

Find Your Dream Home

Browse MLS property listings with home search

Filter homes by location, price, amenities and more

Crunch the numbers with our free mortgage calculator
Apply for home loans, refinancing, or home equity loans and get approved in minutes
Access your credit score once you apply for a loan
Access Loan Experts at Your Fingertips
Connect with loan officers ready to guide you through the homebuying journey
Receive personalized guidance to improve your financial future
Manage Your Mortgage & Stay Informed
View key loan details such as balance, payment schedule, and more—all in one place
Make mortgage payments quickly and securely in our Loan Center
Make Your Home Equity Work for You
See your home value estimate
Apply for a HELOC or home equity loan
Monitor your home equity growth over time
Mortgage Mindfully with Rate
GR Personal Loans:
Standard fixed rates from 10.99% to 21.99% APR. With a 0.25% autopay discount established at loan origination with an automated monthly debit from a qualifying deposit account for repayment, fixed rates range from 10.74% to 21.74% APR. Loan amounts range from $4,000 - $50,000 and are subject to state requirements. Loan proceeds cannot be used for post-secondary education expenses or to purchase cryptocurrency or securities.
Loans are made by Guaranteed Rate, Inc. (NMLS ID 2611).
- Period of repayment: The minimum period of repayment for GR personal loans is 12 months and the maximum period of repayment is 60 months.
- Annual Percentage Rate: Our maximum annual percentage rate ( APR) is 21.99% and may vary based on state requirements.
Representative Example of the Cost of a GR Personal Loan: For $20,000 borrowed over 36 months at 10.74% (including 0.25% autopay discount), the total cost of the loan, including the principal and all applicable fees, is $23,483.32. This example is an estimate only and assumes payments are made on time.
GR Personal Loan prepayment options range from 1-5 years. GR personal loans do not require repayment in full in 60 days or less from the loan issue date.
Terms and Conditions: You must be 18 years of age or older (19 years of age or older in Alabama). To qualify, a borrower must be a US citizen, a permanent resident, or a non-permanent resident in the US on a valid, long-term visa. All loan applications are subject to credit review and approval as well as income and employment verification. You must meet our minimum requirements established for this offer including, but not limited to, credit history, debt-to-income ratio, and application information. Your actual rate depends on your requested loan amount, loan term, creditworthiness, and a variety of other factors. Loan amounts range from $4,000 - $50,000. Rates and loan amount may differ due to state-specific requirements. Limitations: FL, ME, NC, TX, VT, PA, CT, LA, KS, SC, WY, RI, MA, MN, CO, AR and IA (rate); IL, MA, CA, RI, NM and SC (amount); OH (duration). The lowest rate advertised is reserved for the most creditworthy borrowers. Advertised rates are current as of 11/09/23 and are subject to change without notice.
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Ratings and reviews

Sometimes, it's really easy to maneuver around this App, but when I've had any troubles, i just call the help line & they've guided me with ease.

Tried to sign in using the credentials I use to manage my auto pay online. App says I do not have an account tied to my email. From what the other reviews say, it sounds like I couldn't even manage payments or my mortgage here anyway. I'll just continue using the website I guess.

very helpful! navigation is easy! thank you! 😊

What’s new

What’s New

We’ve added additional wellness content to help you move, breathe, and recharge:

Outdoor Studio – new outside workouts with backdrops of Chicago + Miami

Train Like a Champ – new athlete additions, Chris Chelios + Grayson Goldin

7‑Day Breath of Life Challenge for calm + clarity

National Parks – new soundscapes from Yellowstone, Grand Canyon + more

Update your app now to explore fresh wellness experiences.